| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC3 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 3.51% |
| KEY BENEFIT ADMINISTRATORS, INC3 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 3.40% |
| KEY BENEFIT ADMINISTRATORS, INC3 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 3.67% |
| KEY BENEFIT ADMINISTRATORS, INC5 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 17.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH DATA INSTITUTE EIN 35-0248379 NONE | Contract Administrator Service code 13 | — | $40K |
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-0145036 NONE | Contract Administrator Service code 13 | — | $33K |
| ENCORE EIN 35-2067373 NONE | Contract Administrator Service code 13 | — | $11K |
| MEDCOST EIN 56-1999192 NONE | Contract Administrator Service code 13 | — | $10K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE | 299 | $444K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO. | 299 | $36K |
| Life insurance | LINCOLN FINANCIAL GROUP | 410 | $104K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 407 | $60K |
| Other(5 contracts, 4 carriers) | LINCOLN FINANCIAL GROUP | 425 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.